Spectacular swimmable waterfront dream! This 4-bed, 3-bath, bungalow w/loft, walk-out & 2-car garage, is nested along the serene shoreline of the Bay of Quinte. Outside, enjoy your private oasis w/ a two-tiered composite deck and gazebo, beautifully landscaped yard, circular drive + a separate side driveway leading to your own boat launch and large cantilever dock. The stacking limestone seawall enhances the water's edge w/flat access to the clean pebble-bottom shoreline, welcoming all water sports. Two seating areas & fire pit create ideal evening gatherings or peaceful mornings w/stunning views of the Bay Bridge and Belleville skyline. Step into the bright, open-concept living space where oversized windows showcase stunning waterfront views. The spacious U-shaped kitchen w/ Island, high-end appliances, & vaulted ceilings. The airy living area includes a fireplace & breakfast nook. Dining area opens to the upper deck and BBQ via sliding glass doors. A handy laundry/mudroom w/ garage access enhances functionality. The main floor primary suite is a true retreat, showcasing panoramic views of the bay, private seating area, custom built-in closet system, a luxurious ensuite w/separate jetted tub and glass walled shower. A 2nd bedroom and a stylish 3-piece bath complete this level. Creating additional space the loft-style landing overlooks the room below and leads to a 3rd bedroom. The lower level sits at ground level and offers a private entrance through glass doors that open onto a covered patio - setting the stage for the perfect in-law suite. Inside, you'll find a spacious family/dining area complete with custom wet bar and built-in cabinetry. A cozy rec room w/ fireplace, a versatile gym or home office, a 3-piece bath, and a generously sized 4th bedroom w/ bay views and its own private covered seating area. Impeccable waterfront home with breathtaking views, endless outdoor enjoyment, fantastic fishing, bike trail, 5 min to Belleville and PEC wineries.